Financial Market "4321 Financial Rules" Do You Get?

The education of balance treasure, the interest rate cut by banks and the popularization of ideas have made more and more financial management contact with Chinese people.

The convenient way of operation and the multiplied increase of revenue make many banks' investment customers move to other higher income investments over the past decades, but some of them are too radical: either they do not believe or shun them, or they all believe in their whole lives.

This is attributed to many investors who have not made good planning in the process of participating in the investment, nor have they considered some of the risks comprehensively, or the impact on life.

For example, in the investment of P2P, because the proceeds of P2P projects are generally several times higher than that of the banks, the same principal is 1 million, for example, the investment in financial products of a bank is one year (not compound interest), and the maximum interest rate is 40 thousand, while the investment in P2P is 8~18 million, and this is itself the investment with the higher return of the gold fund, which makes many investors become less rational and ignores the importance of saving.

There is a more classical saying in finance circles: the 4321 rule.

Although there may be some years of concept, it still has great reference significance.

The 4321 rule is asset allocation 40% investment, 30% living expenses, 20% savings reserve, 10% insurance.

Fees, maintenance fees, mortgage loans, this part is also included in the calculation; storage reserve is usually demand deposits, when necessary, to improve the quality of life, personal recommendations are put in the balance of Alipay treasure, the proceeds will be higher than the bank, pfer and payment is more convenient; insurance is better understood, as we work in the "five risks, one gold" in the pension, medical insurance, is a long-term arrangement, especially in the main income of the main creator of the family may encounter unexpected circumstances, so as to avoid the family economy suffered heavy losses, specifically to find some friends in the insurance industry to understand, it is still very meaningful. Asset allocation refers to assets that invest in stocks, P2P, funds, foreign exchange and other higher return rates, usually on a regular basis. Living expenses include monthly necessities of life, as well as fuel for vehicles.

In addition, we can popularize some small knowledge of investment (4 percent).

There are several principles that must be remembered.

1.

Do not blindly follow suit, and have your own.

。

Sometimes others say the platform is good, not because it is really good (maybe not standard), but you do not go in, he can not get out.

Or he is really confident, but you must know that in this "cut leek" society, you are the same field of leek, he does not know much more than you.

2.

The amount of investment needs to be dispersed. I am serious.

One thing you have to understand is that you are not a professional, and you are not a platform manager. You have not so much mind, so much time to "monitor" a platform, it is possible that today is a standardized operation, then tomorrow? Is it possible that tomorrow will be normal operation? What about the day after tomorrow? Of course, this is not the main thing. People are profit driven. If you let your whole body lose such a platform like Lu Jin, the natural safety factor is very high, but you will not be reconciled.

Low.

Unless your original gold is really enough, the seven or eight points of the annualized enough "smart", but in fact are scattered small.

Therefore, most investors will pursue earnings.

However, earnings often mean risks, so it is more appropriate to disperse them. According to their actual situation, a percentage can be fixed, 46 open (55 rows), and 40% investment banking, state assets and listed companies platform, 6-12% annual income, 60% investment business, small and beautiful, income 12-18%, more detailed subdivision, each faction to vote for a few depends on your own factors.

3.

Do not understand (Qing) investment really do not touch.

Now some platform projects can be said to be flying all over the sky, and designs are full of tricks. In fact, a very simple lending business is nothing more than the disclosure of borrowers, enterprises' assets, information and hematopoietic capacity, but they can't see clearly in the flowery fancy.

In addition, the background setting of the platform is intricate, so that people can not understand the clue.

There are also opaque, open projects, such as offline financial companies, which will only protect you from an investment income. You may not even know what money is going to do.

Gambling? Self financing? There are so many financial companies on the line of trouble, but the pot is backed up by P2P.

In general, it is: do not see the product, do not vote, see the unknown companies do not vote, do not see clearly the project, do not vote, the platform is so much, why should accommodate, so many types, why compelled.

And the 4321 rule can be divided into two levels. The first level is the original fund, which can directly match the investment according to this ratio.

The second level is the monthly income, of course, is also in line with this ratio, but there is a point to emphasize, the allocation of investment, regular investment, maturity can only be extracted, so there is a saying that "forced storage", this is the article before my home "in Shenzhen, the difference between ten thousand or not" mentioned in the savings is a concept, people always have a tendency, how much money on hand will form a flower law.

In today's materialistic world, most people are basically unable to save money, except for a small number of people who have strong self-control.

So monthly income according to the 4321 rule, 4 into the concept of investment + saving is very necessary.